Raj Khosla, CFA, is Vice President and Treasurer at Service Experts, where he leads a 50+ person organization spanning Treasury, Credit & Collections, and Billing. In this role, he oversees the company’s securitization and structured finance programs while driving initiatives to optimize financing costs, strengthen investor confidence, and enhance operational controls. He is responsible for lender and rating agency relationships, debt negotiations, liquidity management, and the development of forecasting and analytics frameworks that support capital markets strategy. Before joining Service Experts, Raj held senior Treasury and business leadership roles at Bread Financial and Hewlett-Packard, where he consistently delivered transformational results—from negotiating complex multi‑billion‑dollar financing structures to product strategy and cross‑border operational improvements. Raj holds an MBA from Carnegie Mellon University and a BBA from the University of Houston, where he graduated summa cum laude. He is also a CFA charterholder.